Electronic Payments & Statements · • EPRA is a containing all remittance information associated with a payment. It’s consolidated to include multiple claims per page. • You

Electronic Payments & Statements

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Proprietary information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Topics • What are Electronic Payments & Statements (EPS)? • Common Terminology • How You Save With Electronic Remittance Advice/Electronic Funds

Transfer (ERA/and EFT) • Automated Clearing House (ACH) Deposit • Virtual Card Payments • Remittance Advice Options • Enroll in EPS • More Information

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EPS

EFT: Direct Deposit or

Virtual Card Payment

ERA File or Online Remittance Advice

What is EPS?

Electronic Payments Electronic Statements +

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Electronic Payments & Statements (EPS) is a payment system that has electronic funds transfer (EFT) and electronic remittance advice (ERA) for care providers. • Care providers may sign up for EPS to receive direct deposit or virtual

card payments plus ERAs or online remittance advice for the care they provide to UnitedHealthcare members.

• EPS is administered by Optum, which specializes in providing health care financial information, tools and solutions.

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Common Terminology

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• Automated Clearing House (ACH) is an EFT system that makes payments by direct deposit.

• Electronic Funds Transfer (EFT) is an electronic payment by direct depositor Automated Clearing House (ACH).

• Electronic Remittance Advice (ERAL) are electronic data interchange (EDI) files that can be used to auto-post payments in a practice management system. • The files can be downloaded from the EPS website or delivered by a

clearinghouse. • Care providers who post payments manually do not need to use EDI

files.

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Common Terminology (Cont.)

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• Provider Remittance Advice (PRA) is a statement that shows o What insurance paid and what amount the member may owe. o Sometimes an Explanation of Benefits (EOB) is used instead of a

PRA. • Virtual Card Payments are electronic payments using credit card-based

technology that doesn’t require a care provider’s bank account information.

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How You Can Save With ERA and EFT

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The 2017 CAQH Index® shows the average cost for manual transactions is consistently higher than electronic transactions for care providers and health plans. CAQH, a nonprofit alliance, creates the CAQH Index and is the leader in creating shared initiatives to streamline the business of health care.

View the complete CAQH Index for more details.

Samples of reported industry-wide savings for care providers: • Just over $3.60 per claims status inquiry and remittance advice

transaction* • $1.63 electronic cost vs. $5.26 manual cost of a claims

status inquiry* • $1.13 electronic cost vs. $4.82 manual cost of a remittance advice

transaction*

*See pages 21-26 for paper vs EFT costs in 2017 CAQH Index report

https://www.caqh.org/explorations/caqh-index

https://www.caqh.org/explorations/caqh-index

https://www.caqh.org/sites/default/files/explorations/index/report/2017-caqh-index-report.pdf?token=EXwe3j_C

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ACH Direct Deposit

Here’s how to enroll in ACH direct deposit and other information you’ll need: 1. Enroll in EPS and select ACH direct deposit. 2. Receive email notifications when payments are deposited. 3. 835/ERA are available the same day for auto-posting or save, view or print

remittance advice and post payments manually from Optum’s EPS website. What to Know: You get payments and remittances five to seven days faster than with paper. • There are no credit card processing fees. • There’s a reduced risk of lost, misrouted and stolen checks. • You can potentially eliminate bank lock box fees. • Money is deposited directly into the accounts you designate. • You can separate payments and remittances by national provider identifier

(NPI) number and/or payer.

https://myservices.optumhealthpaymentservices.com/chooseEnrollmentType.do?EXTRA3=y&EntryType=Reset


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Virtual Card Payments

Here’s how to enroll in Virtual Card Payments and other information you’ll need: 1. Enroll in EPS and select Virtual Card Payments. You’ll receive card

numbers in the mail with activation instructions. You’ll get future payment notices delivered by email.

2. Redeem payment using the standard “card not present” transaction. 3. 835/ERA are available the same day for auto-posting or view or print

remittance advice and post payments manually from Optum’s EPS website.

What to Know • Like an ACH deposit, you get payments and remittances five to seven

days faster than with paper. • There’s a reduced risk of lost, misrouted and stolen checks. • You can potentially eliminate bank lock box fees.



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Virtual Card Payments (Cont.)

What to Know • You’ll need to confirm with your merchant processor whether credit card

processing fees apply. • You’ll receive a separate card number for each UnitedHealthcare plan for

which you receive payments.

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Electronic provider remittance advice (EPRA) is the most popular for manual posting.

• EPRA is a PDF file containing all remittance information associated with a payment. It’s consolidated to include multiple claims per page.

• You can also use the PDF for remittance advice for a single claim if you need to print it for a secondary carrier.

• EPRA are available the same day as the deposit is made.

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Remittance Advice Options

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EPRA Sample PDF

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835/ERA are standardized computer files of remittance advice that can be auto-posted. • You need a practice management system and a program that reads the

835/ERA such as Medicare Remit Easy Print (MREP) software. • Files are available the same day as the deposit. • You can get ERA files:

o Online at no cost using the EPS website o Delivered through your clearinghouse

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835/ERA for Auto-Posting

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ERA Sample Computer File

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Enroll in EPS

You can access EPS in two ways: 1. Sign in to Link and access the EPS tool on your Link dashboard.2. Go to Optum.com/EPS.

https://healthid.optum.com/tb/app/index.html?relyingAppId=PRD23484&TARGET=https://linksession.optum.com/proxy?redirect%3Dhttps://provider.linkhealth.com/apps/secure/dashboards/provider-dashboard/#/login

http://www.optum.com/EPS

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More Information

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• To learn more about EPS, you can register for a webcast training session. Click here and then use the dropdown menu to select a session date and register.

• If you have questions, please call the EPS Help Desk at 866-842-3278. Choose "option 1" for enrollment and "option 2" if you have access questions.

Thank you.

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Insurance coverage provided by or through UnitedHealthcare Insurance Company, All Savers Insurance Company, Oxford Health Insurance, Inc. or their affiliates. Health Plan coverage provided by UnitedHealthcare of Arizona, Inc., UHC of California DBA UnitedHealthcare of California, UnitedHealthcare Benefits Plan of California, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Oregon, Inc., UnitedHealthcare of Texas, LLC, UnitedHealthcare Benefits of Texas, Inc., UnitedHealthcare of Utah, Inc. and UnitedHealthcare of Washington, Inc., Oxford Health Plans (NJ), Inc. and Oxford Health Plans (CT), Inc. or other affiliates. Administrative services provided by United HealthCare Services, Inc., OptumRx, OptumHealth Care Solutions, LLC, Oxford Health Plans LLC or their affiliates. Behavioral health products are provided by U.S. Behavioral Health Plan, California (USBHPC), United Behavioral Health (UBH) or its affiliates.

Documents

Electronic Payments & Statements · • EPRA is a containing all remittance information associated with a payment. It’s consolidated to include multiple claims per page. • You